lead – on deck payments

CRED is an exclusive community for India's most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. CRED was born out of a need to restore focus on a long-lost virtue — trust. the idea: create a community built on trust and scale this behaviour until it becomes the norm. building a community like this requires a community of its own; a group of passionate, driven people with the freedom to take big swings and chase meaningful outcomes. a group that believes in solving problems elegantly, moving fast, thinking first principles, and constantly raising the bar. here's what will be in store for you at CRED once you join the team. as a lead within the payments pod, you will own the end-to-end strategy, growth, and p&l for one of CRED's most important engagement surfaces — high-frequency, transactional payment categories that form the backbone of member habit and retention. this role is responsible for step-change growth — scaling active transacting members 2–3× by making on-deck payment flows habit-forming, low-friction, and trust-reinforcing for CRED members. The mandate is not short-term monetisation, but maximising active transacting members at the lowest cost to serve, while building a compliant, resilient, and scalable business. you will work closely with product, engineering, compliance, and external ecosystem partners to define the future roadmap for the category and translate strategy into execution. what you will do: category ownership & p&l own the category end-to-end, including growth strategy, economics, forecasting, and reporting drive planning cadences, operating reviews, and performance tracking for the category balance growth, reliability, cost-to-serve, and long-term sustainability make clear trade-offs between engagement, scale, and economics strategy & roadmap definition partner with product and design teams to define the long-term vision and roadmap identify levers to drive 2–3× growth in active transacting members reimagine user journeys, frequency drivers, and habit loops within the category translate category strategy into executable priorities and milestones growth & engagement drive adoption and repeat usage design strategies to reduce friction, increase trust, and improve payment confidence focus on low-cost engagement, not yield maximisation use data and experimentation to identify and unlock growth inflection points ecosystem & regulatory collaboration work closely with relevant networks, regulators, and internal compliance teams to ensure regulatory alignment anticipate ecosystem or policy changes and factor them into category strategy represent category requirements clearly in cross-functional and partner discussions cross-functional leadership act as the single-threaded owner working across product, engineering, compliance, finance, and growth influence without authority through clear problem framing, structured thinking, and data-backed narratives drive clarity in ambiguous spaces and align teams around common outcomes What we’re looking for: 6–10 years of experience in payments or fintech, with prior ownership of high-frequency consumer payment categories in India direct experience working across regulated payment rails and partner ecosystems proven track record of scaling high-frequency consumer payment categories strong strategic and analytical skills — able to translate insight into execution experience owning P&L, planning, and business performance cadences ability to operate cross-functionally in regulated environments high ownership mindset with strong collaboration ethos